Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$312,770Cash toward the purchase price.
Closing costs + prepaids$10,138Not just lender fees.
Before credits & paid funds$322,908The complete starting cash picture.
Estimated remaining funds due at closing
$322,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,769.91
Your down payment$312,769.91
Closing costs + prepaids$10,138.09
Total buyer cash needed$322,908.01
Remaining funds due$322,908.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$356.50
Prepaid interest, first (1 days)$6.59
Fees + prepaids$10,138.09
Your down payment is the seller’s equity. You take over the $42,230 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $322,908.01 is due at closing. Uses and sources reconcile at $365,138.09 each. Not a Closing Disclosure.